Multi-Currency Accounts

Accounts built to
collect, manage and move funds.

Hold and transact in multiple currencies with ease — from flexible business accounts to virtual IBANs and automated reconciliation.

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Account layer

Everything you need in
one account framework.

A structured account layer for modern money operations.

Collect at scale

Create dedicated account details (e.g. BSB/account numbers or IBANs) for customers, users or workflows, so payments arrive clearly identified and easy to reconcile.

Fund segregation

Segregate customer, client and operational funds without opening and managing multiple bank accounts.

Operational visibility

Track balances and transactions across flows, currencies and regions from a single view.

Regulation-ready by design

Support monitoring, reporting and audit requirements as volumes and complexity increase.

Setup

Choose how your accounts
are set up.

Single main account

A straightforward setup for businesses managing their own funds, with centralised balances and visibility.

Main account with sub-accounts

Create multiple account details under one main account to support customer funds, client balances, invoices or internal workflows. Commonly used where fund segregation, monitoring and reporting are required at scale.

Multi-currency support

All setups support multiple currencies, with a consolidated view across balances and movements.

Rails

Local, international
and modern rails.

Build's accounts connect to the payment methods your customers and partners already use, without fragmenting settlement or reconciliation.

LocalNPP · PayID · PayTo · BPAY · Direct Entry (DE)
InternationalSWIFT · Local account collection / payout
ModernStablecoin settlement for faster, programmable cross-border value transfer
Operations

Operational and
compliance control.

Operate with confidence as volumes and regulatory expectations increase.

Automated reconciliation

Match incoming and outgoing flows against expected payments without manual intervention.

Real-time monitoring

Watch balances and transaction activity across accounts, currencies and entities in one view.

Name checking and verification

Reduce mis-payment risk with payee verification on outbound and inbound flows.

Reporting and audit trails

Maintain clean records and structured exports for finance, compliance and audit reviews.

Treasury

Treasury visibility
alongside payment activity.

  • Centralised visibility across balances and currencies
  • Clear segregation between operational funds and customer or client funds
  • Designed to work with FX, liquidity management and settlement workflows
Lifecycle

Accounts that adapt
as your business evolves.

  • Create, assign or deactivate account details as needed
  • Manage structures across customers, workflows or entities
  • Support onboarding and scaling without re-architecting
Why Build

An account layer
built for real-world operations.

Built for scale

High-volume collections and fund segregation handled without account sprawl.

Operational foundations

Strong regulatory standing and automation built into how accounts run.

Connected stack

Integrated with cards, FX and settlement so accounts are never an island.

Ready to structure
your accounts?

Talk to our team about account structure, rails and the reconciliation your operations need.

210+

Countries of card coverage

30+

Currencies with live pricing

48

FX pairs at mid-market